M-pesa sending charges: everything you need to know

Kariuki Maina
By Kariuki Maina 3 Min Read

You live abroad and want to send money to your relatives quickly and easily. Know more on How to send money abroad via M-pesa: everything you need to know about the service. Learn more about M-pesa’s mobile money, particularly its sending fees. Find all of the information you require about the service.

M-pesa presentation

M-pesa is a mobile money transfer and microfinance system developed by Safaricom and Vodacom, the two largest mobile phone operators in Kenya and Tanzania, and launched by Vodafone. M-pesa is used by over 5 million Tanzanians, making it the most dependable service in the country.

By 2010, M-pesa was the most successful mobile phone-based financial service in developing countries. In M-pesa Kenya, approximately 17 million accounts had been registered by 2012. For giving millions of people access to the “formal” financial system, the service has received praise. In societies that rely heavily on cash transactions, it has also contributed to a decrease in crime.

Since then, it has spread to Afghanistan, the DR Congo, South Africa, India, and Eastern Europe in 2014.

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Through a wide range of global partners, you can easily send or receive money instantly to or from your M-pesa wallet from more than 160 nations.

How to send money abroad via M-pesa: everything you need to know about the service

M-pesa sending charges

The amount of money transferred affects the M-Pesa sending fees. Whether or not a user of the service is registered is different.

Depending on the number of users and the amounts, transaction fees range from 66% to 6%:

  • To 66% of the transaction value for a transfer to an unregistered user.
  • To 30% of the transaction value for a transfer to a register user.
  • The lowest transfer charge is 0,16% to a registered user for 70,000 KSHs.
  • The cost to withdraw money from an Mpesa agent is a maximum of 20% of the transaction amount and 0,47% minimum.

On Safaricom’s website, you can view the Mpesa sending charges chart and all transfer fees online or in PDF format.

Here are some examples of M-pesa sending fees in Kenya in 2023:

M-PESA Tariffs

Minimum Maximum Send To M-PESA Send To Other Networks Send To Unregistered Withdraw at Agent
Ksh1 Ksh49 N/A N/A N/A N/A
Ksh50 Ksh100 N/A N/A N/A Ksh10
Ksh101 Ksh500 Ksh6 Ksh6 Ksh45 Ksh27
Ksh501 Ksh1000 Ksh12 Ksh12 Ksh49 Ksh28
Ksh1,001 Ksh1,500 Ksh22 Ksh22 Ksh59 Ksh28
Ksh1,501 Ksh2,500 Ksh32 Ksh32 Ksh74 Ksh28
Ksh2,501 Ksh3,500 Ksh51 Ksh51 Ksh112 Ksh50
Ksh3,501 Ksh5,000 Ksh55 Ksh55 Ksh135 Ksh67
Ksh5,001 Ksh7,500 Ksh75 Ksh75 Ksh166 Ksh84
Ksh7,501 Ksh10,000 Ksh87 Ksh87 Ksh205 Ksh112
Ksh10,001 Ksh15,000 Ksh97 Ksh97 Ksh265 Ksh162
Ksh15,001 Ksh20,000 Ksh102 Ksh102 Ksh288 Ksh180
Ksh20,001 Ksh35,000 Ksh105 Ksh105 Ksh309 Ksh191
Ksh35,001 Ksh50,000 Ksh105 Ksh105 N/A Ksh270
Ksh50,001 Ksh150,000 Ksh105 Ksh105 N/A Ksh300


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Kariuki Maina
By Kariuki Maina Kariuki Maina
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